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Sterling Bank

Poplar Bluff, MO · Cert 57813 · Sterling Bancshares Inc.

State charter, non-member · FDIC · 16 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

83

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

79

Q2 2024Q2 2026peer median (50)

Liquidity

32

Q2 2024Q2 2026peer median

Efficiency

76

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Sterling Bank

Poplar Bluff, MO · Cert 57813 · Sterling Bancshares Inc.

State charter, non-member · FDIC · 16 branches

Q2 2026

$1.6BAssets
$1.1BLoans
$1.4BDeposits
$175.1MEquity
Loan mix
57%RE $489.9M42%C&I $359.8M1%Consumer $10.5MQ2 2025Q2 2026
Deposit mix
89%Interest-bearing $1.2B11%Noninterest $0.2BQ2 2025Q2 2026

NIM

6.49%Q2 ’246.43%Q2 ’256.34%Q2 ’26+3%0%

Non-interest income vs. expense

2.19%Q2 ’242.39%Q2 ’252.21%Q2 ’26+11%-8%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.3% share · #45 of 111 inst. · $0.5B of $141.7B

0.9% St. Louis
13.4% Butler
1.1% Kane
3.6% Cape Girardeau

Executive Summary

  • Earnings: ROA of 1.63%, up 12 bps year over year; NIM at 4.02%.
  • Asset quality: problem loans at 0.35% of loans (-44 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 11.14%, down 89 bps from a year ago.
  • Funding: loans stand at 78.18% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.63%+12 bps YoY

Net Interest Margin (YTD, annualized)

4.02%-2 bps YoY

Efficiency Ratio (YTD, annualized)

52.31%-402 bps YoY

Tier 1 Leverage Ratio

11.14%-89 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.51%1.61%1.57%1.68%1.63%+12 bps
Return on Equity12.63%13.66%13.44%15.08%14.60%+197 bps
Net Interest Margin4.04%4.15%4.12%4.03%4.02%-2 bps
Efficiency Ratio56.33%53.95%53.01%50.99%52.31%-402 bps
Non-Interest Burden2.18%2.14%2.08%1.95%2.00%-17 bps
Growth
Asset Growth (YoY)4.93%6.07%7.56%10.33%8.36%+343 bps
Loan Growth (YoY)6.57%6.78%7.20%6.33%1.50%-507 bps
Deposit Growth (YoY)5.95%7.68%9.19%11.62%9.35%+340 bps
Asset Quality
Nonperforming Loans / Loans0.79%0.35%0.35%0.36%0.35%-44 bps
Net Charge-Offs / Loans-0.08%0.18%0.11%0.01%0.02%+10 bps
Allowance / Loans1.24%1.17%1.36%1.34%1.30%+6 bps
Allowance Coverage of NPLs1.6x3.3x3.9x3.7x3.7x+2.1x
Capital
Tier 1 Leverage Ratio12.03%11.50%11.21%11.09%11.14%-89 bps
Total Risk-Based Capital17.88%18.35%18.17%18.23%18.06%+18 bps
Equity / Assets11.99%11.28%11.24%11.03%11.20%-79 bps
Liquidity & Funding
Loans / Deposits84.23%76.87%76.88%75.37%78.18%-605 bps
Liquid Assets / Assets16.20%23.12%23.33%24.97%22.12%+591 bps
CRE / Total Capitaln/a231%231%238%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Sterling Bank

Poplar Bluff, MO · Cert 57813 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Sterling Bancshares Inc.

State charter, non-member · FDIC · 16 branches

Q2 2026

$1.6BAssets
$1.1BLoans
$1.4BDeposits
$175.1MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 92% of banks $1B-$10B in assets operating regionally (rank 14 of 176).
  • Widest gap: equity / assets trails 35% of banks $1B-$10B in assets operating regionally (rank 61 of 176).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

1.62%

Rank 34 of 176

Net Interest Margin

4.02%

Rank 32 of 176

Efficiency Ratio

52.31%

Rank 43 of 176

Equity / Assets

11.20%

Rank 61 of 176

Non-interest income vs. expense

$3.2M$34.5MINCOMEEXPENSE
Unfavorable gap of $31.3M · efficiency ratio beats 76% of banks $1B-$10B in assets operating regionally
Bank 52.31%Peer median 59.6%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.62%0.93%1.26%1.54%Beats 81%34 / 176
Return on Equity14.44%9.26%11.89%14.46%Beats 74%45 / 176
Net Interest Margin4.02%3.25%3.59%3.93%Beats 82%32 / 176
Efficiency Ratio52.31%52.79%59.55%67.66%Beats 76%43 / 176
Asset Quality
Nonperforming Loans / Loans0.35%0.30%0.64%1.32%Beats 70%54 / 176
Net Charge-Offs / Loans0.01%0.01%0.04%0.10%Beats 70%53 / 176
Capital
Tier 1 Capital Ratio16.81%11.15%12.72%14.15%Beats 92%14 / 176
Total Risk-Based Capital Ratio18.06%11.81%13.63%15.33%Beats 92%14 / 176
Equity / Assets11.20%9.16%10.35%11.80%Beats 65%61 / 176
Liquidity & Funding
Loans / Deposits78.18%80.94%89.73%97.21%17th pctl146 / 176
Loans / Assets68.78%69.25%75.12%80.82%23rd pctl136 / 176
Brokered Deposits / Depositsn/aNot reported for this institution